Transform Capital

Capital / Transform Capital raises a tax-deductable funding base and deploys this funding into market-rate or below market-rate mortgage and business loans for deserving families in dis-invested local Illinois communities. 100% of our clients are sourced on referral from existing organizations already long serving the community. Our initial community focus is north chicago, Illinois. We limit operating costs at every turn, so that we can recycle Capital for another client. As our clients pay back loans, they become on integral part of "paying it forward" to make ownership possible for another neighbor. We are engaging in conversation with other communities across the nation to extend the reach of our mission approach.

Catalyst / in addition to Capital, we provide catalyst for the entire journey of asset ownership-seeking to ignite generational advantage for deserving families. Lending is simply a reason to be in relationship, and we journey with clients for decades - well beyond any loan "transaction". We activate the talents of our growing movement to encourage the dreams of our client families. This encouragement can take many forms, including helping to open (or expand) a small business, or referring clients to other organizations or individuals for resource, counseling, or coaching. We do not build new programs, but rather leverage a vast network of individuals and other organizations to walk alongside our clients. We also frequently engage with other partners in evaluating broader economic development and other projects which can enhance the quality of life in our local communities.